L&T Finance Ltd
- Market Cap ₹ 40,999 Cr.
- Current Price ₹ 164
- High / Low ₹ 194 / 129
- Stock P/E 15.5
- Book Value ₹ 102
- Dividend Yield 1.52 %
- ROCE 8.70 %
- ROE 10.8 %
- Face Value ₹ 10.0
Pros
- Company has been maintaining a healthy dividend payout of 27.8%
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 2.46% over past five years.
- Company has a low return on equity of 7.09% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Part of BSE 500 BSE Allcap Nifty 500 Nifty 200 BSE Financial Services
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
5,221 | 6,456 | 7,440 | 8,532 | 10,215 | 13,365 | 14,104 | 13,353 | 11,930 | 12,775 | 13,581 | 15,924 | |
1,230 | 1,625 | 1,979 | 2,776 | 3,308 | 3,377 | 4,160 | 5,401 | 5,233 | 7,938 | 5,524 | 6,314 | |
Operating Profit | 3,991 | 4,831 | 5,461 | 5,756 | 6,907 | 9,988 | 9,944 | 7,952 | 6,697 | 4,837 | 8,057 | 9,610 |
OPM % | 76% | 75% | 73% | 67% | 68% | 75% | 70% | 60% | 56% | 38% | 59% | 60% |
-5 | 16 | 8 | 26 | 49 | -4 | 370 | 836 | 594 | 2,795 | 474 | 17 | |
Interest | 3,081 | 3,577 | 4,133 | 4,635 | 5,458 | 6,882 | 7,552 | 7,230 | 5,765 | 5,812 | 5,387 | 5,997 |
Depreciation | 80 | 96 | 83 | 67 | 52 | 50 | 82 | 86 | 103 | 111 | 115 | 139 |
Profit before tax | 825 | 1,175 | 1,253 | 1,079 | 1,446 | 3,052 | 2,680 | 1,472 | 1,423 | 1,709 | 3,029 | 3,491 |
Tax % | 28% | 28% | 32% | 3% | 12% | 27% | 37% | 36% | 26% | 10% | 24% | 24% |
595 | 855 | 857 | 1,048 | 1,278 | 2,232 | 1,700 | 949 | 1,049 | 1,536 | 2,317 | 2,643 | |
EPS in Rs | 2.82 | 4.04 | 3.97 | 4.83 | 5.11 | 9.06 | 6.90 | 3.93 | 4.33 | 6.55 | 9.32 | 10.60 |
Dividend Payout % | 22% | 16% | 16% | 13% | 16% | 9% | 11% | 0% | 12% | 31% | 27% | 26% |
Compounded Sales Growth | |
---|---|
10 Years: | 9% |
5 Years: | 2% |
3 Years: | 10% |
TTM: | 17% |
Compounded Profit Growth | |
---|---|
10 Years: | 13% |
5 Years: | 9% |
3 Years: | 46% |
TTM: | 14% |
Stock Price CAGR | |
---|---|
10 Years: | 11% |
5 Years: | 22% |
3 Years: | 25% |
1 Year: | -3% |
Return on Equity | |
---|---|
10 Years: | 9% |
5 Years: | 6% |
3 Years: | 7% |
Last Year: | 11% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1,718 | 1,720 | 1,753 | 1,756 | 1,996 | 1,999 | 2,005 | 2,469 | 2,474 | 2,480 | 2,489 | 2,495 |
Reserves | 4,107 | 4,656 | 5,442 | 6,138 | 9,411 | 11,450 | 12,688 | 16,304 | 17,474 | 19,049 | 20,950 | 23,069 |
36,854 | 43,454 | 52,829 | 61,024 | 75,248 | 91,507 | 93,934 | 88,592 | 85,237 | 83,105 | 76,603 | 92,372 | |
2,182 | 2,912 | 3,775 | 3,593 | 1,117 | 1,094 | 902 | 1,582 | 1,696 | 1,706 | 2,652 | 2,473 | |
Total Liabilities | 44,861 | 52,742 | 63,799 | 72,511 | 87,772 | 106,050 | 109,529 | 108,947 | 106,880 | 106,339 | 102,694 | 120,409 |
1,228 | 1,184 | 1,313 | 1,230 | 1,151 | 1,127 | 1,100 | 1,138 | 509 | 553 | 519 | 686 | |
CWIP | 140 | 174 | 22 | 28 | 19 | 39 | 62 | 24 | 22 | 5 | 36 | 0 |
Investments | 2,730 | 2,649 | 3,563 | 6,012 | 5,301 | 8,641 | 5,979 | 8,872 | 11,917 | 14,366 | 12,385 | 11,876 |
40,763 | 48,736 | 58,901 | 65,242 | 81,301 | 96,243 | 102,387 | 98,912 | 94,433 | 91,415 | 89,754 | 107,847 | |
Total Assets | 44,861 | 52,742 | 63,799 | 72,511 | 87,772 | 106,050 | 109,529 | 108,947 | 106,880 | 106,339 | 102,694 | 120,409 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-6,083 | -6,474 | -9,213 | -5,779 | -15,640 | -11,643 | 2,162 | 5,464 | 6,078 | 6,718 | 673 | -16,586 | |
-1,032 | 2 | -675 | -2,118 | 1,549 | -3,587 | 160 | -2,025 | -5,087 | -862 | 849 | 471 | |
7,602 | 6,552 | 9,426 | 7,952 | 14,678 | 16,008 | 1,451 | -2,091 | -3,023 | -1,664 | -7,037 | 15,419 | |
Net Cash Flow | 487 | 81 | -461 | 55 | 587 | 777 | 3,772 | 1,349 | -2,032 | 4,193 | -5,515 | -697 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 2 | 1 | 1 | 3 | 5 | 3 | 2 | 1 | 0 | 0 | 7 | 3 |
Inventory Days | ||||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 2 | 1 | 1 | 3 | 5 | 3 | 2 | 1 | 0 | 0 | 7 | 3 |
Working Capital Days | 143 | 210 | 132 | 271 | -3 | 11 | 26 | 13 | 32 | 2 | -18 | -34 |
ROCE % | 10% | 10% | 10% | 9% | 9% | 10% | 10% | 8% | 7% | 5% | 8% | 9% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
28 Apr - Uploaded Q4FY2024-25 and FY2025 investor meeting audio recording on company website.
- Announcement under Regulation 30 (LODR)-Investor Presentation 25 Apr
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
25 Apr - L&T Finance reports FY25 PAT Rs.2644 Cr (+14%), strong retail growth, highest dividend Rs.2.75/share, and strategic AI initiatives.
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Announcement under Regulation 30 (LODR)-Change in Management
25 Apr - L&T Finance reports FY25 audited profit Rs.2643.42 Cr, recommends Rs.2.75 final dividend, appoints independent director.
- Financial Results For The Year Ended March 31, 2025 25 Apr
Annual reports
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Concalls
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Apr 2025TranscriptNotesPPT
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Name Change[1]
In Mar'24, Company changed its name from "L&T Finance Holding Ltd. to L&T Finance Ltd.""